PER­SONAL AC­COUNT

The Daily Telegraph - Your Money - - MONEY - Lauren David­son

It’s a new year and we’ve re­solved to fight harder than ever for your fi­nances

Wel­come to the first edi­tion of what we prom­ise will be an­other year full of our award­win­ning in­vest­ing ideas, tax tricks and un­par­al­leled money ad­vice.

We’ve got some­thing for ev­ery­one, from the young pro­fes­sional sav­ing to buy their first prop­erty to the com­fort­able re­tiree seek­ing to make the most of their pen­sion. On­line this week we even pub­lished in­vest­ing tips for the lucky Bri­ton who won a £115m jack­pot in the New Year’s Day EuroMil­lions draw. Like I said – some­thing for ev­ery­one.

It’s cus­tom­ary at this time of year for peo­ple to take stock of their lives and set them­selves goals for the year ahead. These are typ­i­cally health-re­lated, but it’s a good time to re­view your fi­nances, too. I, for one, swam against the tide and can­celled my ex­pen­sive gym mem­ber­ship on Jan 2.

There are many ways to keep on top of your money: comb your bank state­ments for rogue trans­ac­tions, can­cel di­rect deb­its for un­wanted ser­vices, set up au­to­matic trans­fers into sav­ings or pen­sion ac­counts, shop around for the best en­ergy or mort­gage deals and avoid a life of de­nial by keep­ing a fi­nan­cial di­ary.

But of course, we can’t do it all our­selves. Pol­i­cy­mak­ers and fi­nan­cial in­sti­tu­tions must play their part in mak­ing sure con­sumers can earn, save, in­vest, grow and spend their money in the fairest and eas­i­est way pos­si­ble.

In to­day’s cover story we lay out what we want to see from the Govern­ment and in­dus­try in 2019, from higher sav­ings rates and bet­ter in­vestor pro­tec­tions to ur­gent ac­tion on bank fraud and tax sim­pli­fi­ca­tion.

We’ll do our bit, too, in help­ing you make the most of your money in 2019. Can you be­lieve that this Jan­uary means it’s been a whole year since the col­lapse of Car­il­lion? Ten years since the last Wool­worths store closed, and the first Bit­coin was mined?

This is, of course, a year that will live in in­famy on its own merit. It is the year of Brexit, with all the un­cer­tainty and buy­ing op­por­tu­ni­ties that come with it, and the year of my wed­ding – al­though that’s more of a fi­nan­cial con­sid­er­a­tion for me than for you (did some­one say buy­ing op­por­tu­ni­ties?).

In the year ahead we must also bid farewell to Jes­sica Gorst-Wil­liams, our rep­utable, re­li­able and re­lent­less con­sumer cham­pion, who over the past two decades has won back mil­lions of pounds for

readers. In one year alone she se­cured more than £1.3m in com­pen­sa­tion for peo­ple whose money had been lost, stolen or writ­ten off. One of her big­gest sin­gle suc­cesses came in 2013 when she saw to it that £160,000 worth of life as­sur­ance poli­cies were re­turned to a cou­ple. Three years later, she freed a reader from £114,000 of historic debt. She tells you her­self about her big­gest wins of last year on page 4.

Jes­sica is a mas­ter of her trade, loved by readers and re­spected by the

With a bang: Lon­don cel­e­brated the be­gin­ning of 2019 with a spec­tac­u­lar fire­works dis­play

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